Suggested pacing
6 units · Grades 9–12
Standards coverage: These six units map directly to the six national personal finance topics —
Earning Income, Spending, Saving, Investing, Managing Credit, and Managing Risk —
ensuring comprehensive curriculum alignment at the 12th grade level.
All units
2 live · 4 coming soon
Unit 01Live
Budgeting
Income, expenses, needs vs wants, opportunity cost, and real-life decision-making under financial constraints.
Budget creation
Needs vs. wants
Payment methods
Consumer decisions
Unit 02Live
Credit
Credit scores, interest rates, minimum payments, debt traps, and the true cost of borrowing over time.
Credit scores
Interest & APR
Debt repayment
Identity theft
Unit 03Coming Aug 2026
Saving
Emergency funds, savings goals, compound interest, and the psychology of building financial safety nets.
Compound interest
Emergency funds
IRAs & Roth IRAs
Inflation impact
Simulations0 of 2 live
Emergency fund builderComing soon
Compound interest visualizerComing soon
Unit 04Coming 2026
Investing
Stocks, bonds, risk vs return, diversification, and why starting early changes everything.
Stocks & bonds
Risk & return
Diversification
Retirement planning
Simulations0 of 2 live
Risk vs return decisionComing soon
Portfolio builderComing soon
Unit 05Coming 2026
Taxes
Gross vs net pay, W-4 withholding, tax brackets, filing basics, and understanding your first paycheck.
Pay stubs & W-4
Tax brackets
Withholding
Filing basics
Simulations0 of 2 live
Your first paycheckComing soon
Tax bracket simulatorComing soon
Unit 06Coming 2026
Managing Risk
Insurance types, coverage decisions, deductibles, premiums, and protecting yourself against financial loss.
Health insurance
Auto & renter's
Life & disability
Risk tolerance
Simulations0 of 2 live
Insurance coverage decisionComing soon
Deductible vs premium tradeoffComing soon
Projects
1 live
ProjectLive
Career & Earning
Career paths, earnings potential, and how career decisions connect to long-term financial outcomes.
Career planning
Earnings potential
Financial goals